Bodily Injury Liability

• Motorcycle riders need to carry bodily injury liability insurance at the minimum limits allowed in the state where the bike is registered. Bodily injury liability pays for injuries and medical expenses caused to another motorist or a pedestrian in an accident in which you are at fault. Bodily injury liability covers only the expenses that result from an at-fault accident and pays only the other party. The rider and/or any passengers on the bike do not receive coverage for injuries under this coverage. These limits pay on a per-person, per-accident basis. For example, the minimum bodily injury liability limits in the state of Arizona are $15,000 per person and $30,000 per accident or occurrence.
  
  

Property Damage Liability

• Motorcycle riders need to carry at least the minimum property damage liability limits in the state where the bike is registered. Property damage liability pays for damages caused to the vehicle or property of another party. Similar to bodily injury liability, property damage liability coverage pays only in accidents where the rider is at fault, and it does not cover damage to the rider's bike. Minimum property damage limits are expressed on a per-accident basis. As an example, minimum property damage liability limits in the state of California are $5,000 per accident.
  
  

Medical Coverage

• Riders must protect themselves and passengers against personal injuries sustained in an accident. Most states require riders to carry some form of first party medical benefits such as medical payments coverage or personal injury protection. Medical payments coverage and personal injury protection coverage pays medical expenses up to policy limits for riders and their passengers regardless of fault. Minimum medical payments limits vary by state but typically range between $1,000 and $5,000. In states that require personal injury protection, minimum limits are usually no less than $10,000.
  
  

Optional Coverage

• Motorcycle riders are not required to carry coverage for damage to their bikes. Comprehensive and collision insurance are examples of optional coverages that are not required but are recommended depending on a bike's value. These coverages pay to repair or replace the bike if it is damaged in an accident or stolen. Without these coverages, bike owners must pay out of pocket for the repair or replacement of their motorcycles.